I had mine replaced two months ago. Most of my bills are automatically paid on the card, so I had to update my payment information on ~20 sites. At 2-3 minutes

I had mine replaced two months ago. Most of my bills are automatically paid on the card, so I had to update my payment information on ~20 sites. At 2-3 minutes per site (optimistic really), plus the fact that one site requires I fax in the request, means it easily took me over an hour.